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How Long Should You Keep Bank Statements?

» by Kerri Randall August 13th, 2009 at 12:29 pm » Comments (1)

I hate clutter, especially when it’s unimportant clutter.  Sure, I’ve kept many things from my childhood and other items that hold sentimental value, but over the years, I’ve even tossed some of that, too.  I had to learn to tell myself that I’m really, truly, absolutely never going to need it and it will probably [...]



Cheap Ways to Have Fun

» by Kerri Randall August 11th, 2009 at 8:21 am » Comments (0)

Most of us have had to cut back on expenses lately to save money, but that doesn’t mean that we have to stop having fun!  There are cheap ways to keep yourself entertained.  If you need some ideas to spark your creativity, here are a few helpful and cheap ideas:

Support your local musicians!  Go check [...]



The Great New Car vs. Used Car Debate

» by Ryan August 3rd, 2009 at 10:43 am » Comments (2)

When you’re looking to buy a car, you have two options: new or used/pre-owned/slightly used/pre-loved, etc.  While the direction you choose is entirely dependent on your own needs and desires, a used car is generally a better investment.
New cars certainly have their advantages, and if you find a new car that has exactly what you’re [...]



Should You Pay With Cash or Credit?

» by Kerri Randall July 30th, 2009 at 1:08 pm » Comments (0)

The great money debate comes down to whether it’s better to pay for things with cash or credit.  Some people strongly argue that cash is better, while others see the advantages of credit.  As with many debates, it really comes down your personal situation and preferences.  Which one are you better at managing responsibly?
Cash certainly [...]



What is a Health Savings Account?

» by Kerri Randall July 29th, 2009 at 1:06 pm » Comments (0)

Chances are you have a checking account and a savings account these days.  Maybe you even have a 401(k), a money market account, an IRA, a flexible spending account, etc.  The list of accounts that can house your money is extensive, and a recent development is a health savings account, or HSA.  This is one [...]



Do It Yourself or Hire an Expert?

» by Kerri Randall July 21st, 2009 at 3:10 pm » Comments (0)

When you’re considering a home improvement project, it’s tempting to follow the do-it-yourself path in order to save money.  It only seems to make sense to buy the materials yourself and not have to pay someone else to do the labor, where the real costs can add up.  But sometimes, it’s just not worth it, [...]



American Express Rewards: Taking Advantage of Credit Card Rewards Programs

» by Kerri Randall July 20th, 2009 at 10:14 am » Comments (1)

Does your credit card company offer a rewards program?  If not, you might want to consider a different credit card if you really want to get something more for your money.  Many companies offer some sort of rewards program, and customers that take advantage of them report feeling more satisfied with their creditor.
American Express can [...]



The Cheapest Way to Travel

» by Kerri Randall July 15th, 2009 at 10:47 am » Comments (2)

Times are definitely tough, and you’ve been cutting back just like the rest of us.  But your sanity doesn’t have to suffer; you need a vacation, especially now.  You just need to find the cheapest way to travel.  I say, a fun and relaxing time need not be expensive!

Because of the sloping economy, you can [...]



The Difference Between a Reverse Mortgage and a Home Equity Line Of Credit

» by Ryan July 14th, 2009 at 9:51 am » Comments (3)

Both reverse mortgages and home equity lines of credit allow homeowners to tap into the equity of their homes in exchange for cash. However, these two loans work in very different ways, with different end results for the borrower.
Home Equity Loans and Lines of Credit
These types of loans allow homeowners to borrow money using their [...]



Save Money On Groceries

» by Kerri Randall July 11th, 2009 at 1:23 pm » Comments (1)

This is something I’ve often thought about myself.  I’ve cut back on everything I can, and I pay the lowest possible amount for all of my bills.  But what about groceries?  You need to eat, so there’s only so much you can cut back on there.  There are ways to save money on groceries.  You [...]



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